Articles

I read an article in Rotorua’s Daily Post newspaper titled, “Home Owners Sitting Pretty”. The article starts off by saying, “Rotorua home owners can sit back feeling more financially comfortable with...

As someone who is usually always questioned on interest rate I want to illustrate why it is never that simple using a single point of reference for a mortgage. I’ll illustrate it with Smith vs Smyth.

1. Fixing your entire mortgage. While there are some very tempting fixed rates at the moment, if you choose to fix your entire loan you are also locking in how fast (or slow in most cases) you can pay...

A conversation I’ll sometimes have with people with the end of their mortgage in sight is “once the mortgage is paid off we want to get an investment property”. I often question the need to wait...

As a landlord there are some legal obligations that you have to your tenants (and some that they have to you). Here is some legal 'stuff' that as a landlord you should know.

With the impending birth of my second child, and knowing that our household is going to be taking a hit financially for a while when I'm off work, I've been investigating what financial support is...

Once your property is secured and ready to rent out the next step is to find tenants. Tenants, unfortunately they are not all created equal and having good tenants vs bad tenants can make or break a...

There are ways to add structure to mortgages that will allow you to minimize the interest you pay on your borrowing. These ways can be broken into two types:

So you've taken the plunge and purchased an investment property, good on you! Now you need to put this property to work earning it's keep. Before you do that though there are a few things you need to...

I’m not sure if it is possible to go through life without debt but it would be extremely challenging. A person’s introduction to debt will typically start with tertiary education, needing to get a...